else. those are the ones that, is that fair to say, mary, that a medium stage company would have much more trouble than a startup, so they're not really exposed the things that these intermediate staged companies are exposed. >> it's a great point and i'd make two observations. one a 25-year-old entrepreneur who is starting a business oftentimes has no fear and doesn't know what he or she doesn't know, and it's one of the reasons they're able to create great businesses. but when you have a group of folks under 30, they're not thinking about necessarily health care, social security, medicare, medicaid, unionization, and those things, and as they get bigger, one of the things we've certainly seen in california with companies that need to build call centers, for example, they look at the taxes in the state of california and they say, hmm, maybe texas is better, maybe utah is better. so as they grow maybe above 300, 400 employees it becomes a bigger issue.